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<v Speaker 1>You're listening to kf I AM six forty the Bill

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<v Speaker 1>Handle Show on demand on the iHeartRadio f.

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<v Speaker 2>Bill Handle. Here. It is a Thursday morning, January thirtieth.

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<v Speaker 1>Now we have a sort of a modification going in

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<v Speaker 1>because we're waiting for President Trump with a press conference

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<v Speaker 1>and we don't know, you know, what time he's coming

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<v Speaker 1>in schedule for eight o'clock. You know, the only president

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<v Speaker 1>has ever been i mean on time to the second

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<v Speaker 1>was George W.

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<v Speaker 2>Bush, who was tremendous.

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<v Speaker 1>Eight o'clock started at eight o'clock. So we'll wait for

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<v Speaker 1>the President to come in and talk about.

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<v Speaker 2>What he's going to talk about, because it's.

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<v Speaker 1>Always interesting stuff even though he talks forever. So you know,

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<v Speaker 1>so this will go right through the end of Gary

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<v Speaker 1>and Shannon in probably half of John and Ken's show

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<v Speaker 1>this afternoon, so we'll cut out of it at some

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<v Speaker 1>point maybe, all right, Joel Larsguard is with us, and Joel,

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<v Speaker 1>we're going to interrupt you when this happens.

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<v Speaker 2>And Joel is a host of How.

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<v Speaker 1>To Money Sunday twelve to two pm is Social Is

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<v Speaker 1>at How to Money.

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<v Speaker 2>Joel, Joel, good morning, morning, Bill.

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<v Speaker 1>Okay, let's start right off the bat where we think

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<v Speaker 1>our savings are keeping up with inflation, are we or

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<v Speaker 1>are we going south again?

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<v Speaker 3>Also, it's interesting there's this new survey from wallet hub

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<v Speaker 3>and something like two thirds of people said, I don't

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<v Speaker 3>feel like I'm keeping up with inflation the money that

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<v Speaker 3>I have in savings. And I think there's a couple

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<v Speaker 3>reasons for that. One is which there are a lot

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<v Speaker 3>of people who are whose savings are not keeping up

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<v Speaker 3>with inflation because they're with one of the giant banks

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<v Speaker 3>and they're getting paid zero point zero one percent on

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<v Speaker 3>their savings account, whereas they could migrate elsewhere and get

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<v Speaker 3>paid north of four percent. And if you're getting paid

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<v Speaker 3>north of four percent, your savings actually is outpacing inflation.

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<v Speaker 3>But yeah, if you're with the wrong bank, you're not

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<v Speaker 3>out pacing in plation. So I do think there's truth

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<v Speaker 3>a lot of people are saying I don't feel like

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<v Speaker 3>my savings is keeping up, and it's not. But I

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<v Speaker 3>think the other thing is just kind of emotional, especially

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<v Speaker 3>when you see something like the cost of eggs and

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<v Speaker 3>it just continues to go up with the bird flu

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<v Speaker 3>and we've had trouble with egg price increases over the

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<v Speaker 3>last couple of years anyway, and you see stuff like that,

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<v Speaker 3>or it feels like things are still getting more expensive

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<v Speaker 3>even though prices are moderating, and I think some of

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<v Speaker 3>that is just still kind of vibes.

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<v Speaker 2>Yeah, the egg thing is kind of insane.

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<v Speaker 1>Yesterday I went to the store. I do the shopping,

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<v Speaker 1>and one of the things about my lady Lindsey is

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<v Speaker 1>she's into healthy eggs. Healthy for the chicken eggs, halfy healthy,

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<v Speaker 1>non caged, you know, running around, pasture free or whatever

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<v Speaker 1>the hell it was.

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<v Speaker 2>I cattle more.

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<v Speaker 3>Pardon, I said, those costs even more.

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<v Speaker 2>Oh, you have no idea.

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<v Speaker 1>So I'm looking at the egg aisle, you know, the

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<v Speaker 1>little that refrigerator section. We have eggs in a big

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<v Speaker 1>song saying we apologize for shortage of eggs. We have

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<v Speaker 1>no control and their supply side problems here supply chain

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<v Speaker 1>because we know the A flew.

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<v Speaker 2>So the eggs, those cage free, pasture eggs, chickens.

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<v Speaker 1>I don't even know what they call those running around chickens.

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<v Speaker 1>It was for a dozen eggs, seventeen dollars.

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<v Speaker 3>You're kidding, No, I'm not.

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<v Speaker 2>Those were the high end eggs, you know, they literally are.

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<v Speaker 1>I don't know, Kipster whatever the hell, or Happy Eggs

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<v Speaker 1>is another brand they have where they don't cage the

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<v Speaker 1>chickens at all, and so I end up bar It

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<v Speaker 1>was just, oh, it was insanity.

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<v Speaker 2>It was insanity with the prices.

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<v Speaker 1>So I ended up buying the cheap eggs, eighteen of them,

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<v Speaker 1>the cheap o creepo ones where they keep the chickens

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<v Speaker 1>in cages and they don't move around and it's horrific.

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<v Speaker 1>But that was fourteen bucks for eighteen ages. Yeah, I know,

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<v Speaker 1>it was insanity. It was insanity, all right. Back we

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<v Speaker 1>go to the savings issue and one of the things

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<v Speaker 1>I'm with Chase Bank and I remodeled my house, so

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<v Speaker 1>I had money going to my checking account because it

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<v Speaker 1>remodels are insanely expensive. And my banker said, don't keep

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<v Speaker 1>the money in that checking account. We can put it

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<v Speaker 1>in in one day. You keep it into our money

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<v Speaker 1>market account. And there's my four and a half percent.

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<v Speaker 1>And it was my banker at Chase suggested that, so

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<v Speaker 1>to save me money. Of course he got fired immediately

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<v Speaker 1>because they love the fact that they rt me off.

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<v Speaker 1>But let's talk about doing as much savings as you can.

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<v Speaker 1>The highest interest rate you can within your bank.

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<v Speaker 3>Yeah, So I think that's a really important thing to

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<v Speaker 3>mention is that some of these banks do have other

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<v Speaker 3>ways for you to get higher rates. First, you're just

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<v Speaker 3>in their basic savings account that you look at online.

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<v Speaker 3>They might you might see oh, the point zero one percent,

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<v Speaker 3>but maybe there are other products and there might be

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<v Speaker 3>like you mentioned, money market accounts, Like let's say somebody

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<v Speaker 3>has an account with Fidelity and they have a lot

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<v Speaker 3>of do a lot of they're investing there or Vanguard.

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<v Speaker 3>There are money market funds that you can that you

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<v Speaker 3>can stick your your cash in that you want to

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<v Speaker 3>stay liquid and you're going to earn in that kind

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<v Speaker 3>of four point three ish percent range right now. So

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<v Speaker 3>you can go with a highlod Savans acount, you can

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<v Speaker 3>go with a money market account. And some of these

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<v Speaker 3>online banks that I love, those rates have gone down some,

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<v Speaker 3>but guess what, they're still higher than the point zero

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<v Speaker 3>one I guess That's what I want to stress is

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<v Speaker 3>if you have a decent chunk of cash lying around,

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<v Speaker 3>you don't necessarily need to go to a CD and

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<v Speaker 3>lock that money up. You just need to migrate to

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<v Speaker 3>a high old Savans account. And I don't want people,

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<v Speaker 3>you know, jumping to score an extra point one or

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<v Speaker 3>point two percent. But if we're going from literally getting

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<v Speaker 3>paid nothing on your money to getting paid something meaningful

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<v Speaker 3>four plus percent, you will outpace inplation. And your money

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<v Speaker 3>isn't like every day that your money is sinning in

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<v Speaker 3>an account that's turning two point zero one percent, your

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<v Speaker 3>money is losing buying power. So that's why I just

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<v Speaker 3>want people to do something at least that's not harming

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<v Speaker 3>them actively harming their finances.

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<v Speaker 1>Let's just say, take a quick visit about the warning

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<v Speaker 1>that you always get the disclaimer. You put it in

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<v Speaker 1>a money market account, you put it into one of

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<v Speaker 1>these broker's accounts that is not ensured by the government.

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<v Speaker 2>How important is that.

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<v Speaker 3>That's true? I mean, I don't think it's terribly important.

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<v Speaker 3>I do like FDIC insurance, but I don't know that

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<v Speaker 3>it's crucial, right, I think the biggest thing I want

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<v Speaker 3>people to avoid there are some something known as neobanks,

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<v Speaker 3>and they're popping up all over the place, and there's

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<v Speaker 3>these fintech startups and they're backed by other banks, and

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<v Speaker 3>there have been some issues in the neobank space in

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<v Speaker 3>recent months where some of them have kind of shut down,

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<v Speaker 3>or some of the people who are who are banking

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<v Speaker 3>with some of these little upstarts. They sound great and

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<v Speaker 3>they've got these great perks, and hey, maybe you're going

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<v Speaker 3>to get access to your paycheck early and maybe the

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<v Speaker 3>rate so they're paying is significant. But they're not actual banks.

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<v Speaker 3>They're just kind of backed by this random other bank,

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<v Speaker 3>and so they save their FDIC insured. But when you

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<v Speaker 3>try to get your money back as the fintech goes bus,

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<v Speaker 3>you're kind of trying to claw back and you don't

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<v Speaker 3>know which institution to reach out to, and so some

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<v Speaker 3>people have been in limbo for months and months and

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<v Speaker 3>months trying to figure out how how am I going

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<v Speaker 3>to get access to this money, even though it's technically

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<v Speaker 3>FDIC insured. So if you're going to go with an

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<v Speaker 3>online bank, don't go with a neo bank, go with

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<v Speaker 3>an actual online bank. And so some of my favorites

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<v Speaker 3>are like Discover c t ally, those are actual online

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<v Speaker 3>banks and they are you know, money that you have

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<v Speaker 3>in savings there is backed up by the FDIC, So

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<v Speaker 3>I do like having your liquid savings there, and just

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<v Speaker 3>sometimes it's just easier to have a savings account. So

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<v Speaker 3>again I think I think Hoyo savings accounts are the

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<v Speaker 3>way to go.

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<v Speaker 2>Okay, let's take a break. Ready to come back. We've

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<v Speaker 2>got more to talk about.

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<v Speaker 1>And that's assuming that President Trump does not start his

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<v Speaker 1>press conference.

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<v Speaker 2>We'll be right back with Joel. You're listening to Bill

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<v Speaker 2>Handle on demand and from KFI am six forty.

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<v Speaker 1>President is still speaking. One of the things about President

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<v Speaker 1>Trump is he does not give short, short press conferences.

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<v Speaker 1>And I pulled away from the press conference because earlier,

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<v Speaker 1>as he started, it was about the crash in Washington,

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<v Speaker 1>that aircraft, civilian aircraft crashing with a military helicopter. It

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<v Speaker 1>was a mid air collision. Of course, everybody died, sixty

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<v Speaker 1>four people. He was talking about that.

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<v Speaker 2>Which is his job.

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<v Speaker 1>I don't know if he's gone beyond that, because I'm

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<v Speaker 1>going for the rest of the show. Amy.

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<v Speaker 2>Have you been following along.

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<v Speaker 3>And have I.

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<v Speaker 2>Did I do it wrong in pulling away?

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<v Speaker 1>Have you gotten any new information?

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<v Speaker 4>No, he hasn't really given out any new information except

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<v Speaker 4>he did say that his FAA is going to be

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<v Speaker 4>better and criticize the DEI policies of previous administrations.

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<v Speaker 2>Because that's what because it's a DEI.

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<v Speaker 1>Air traffic control system and certainly a DEI American airline

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<v Speaker 1>system and the helicopter pilots. I guess we're part of

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<v Speaker 1>a DEI program. Okay, go figure now before I get

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<v Speaker 1>to Valentine, and I'll tell you about that in our

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<v Speaker 1>last segment. And he's with my FM and there's a big,

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<v Speaker 1>big iHeart concert going on a little bit about RFK

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<v Speaker 1>because I was looking forward to Robert Kennedy's first confirmation hearing,

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<v Speaker 1>and he.

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<v Speaker 2>Did not disappoint He did not.

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<v Speaker 1>First of all, he's going to get every Republican, virtually

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<v Speaker 1>a Republican he's going to get confirmed, because at this point,

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<v Speaker 1>it doesn't matter who President Trump puts in front of

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<v Speaker 1>the Senate to confirm a nomination, that person is going

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<v Speaker 1>to get it.

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<v Speaker 2>Kennedy is one of the more.

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<v Speaker 1>Not questionable. But yeah, let's say now, I'll say questionable,

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<v Speaker 1>interesting certainly, maybe controversial. And that's because number one, he's

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<v Speaker 1>a conspiracy theorist and he's anti vax Now he said

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<v Speaker 1>he wasn't He deflected his brains off yesterday. By the

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<v Speaker 1>way I sort of made fun of him and the

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<v Speaker 1>way he speaks. That was not fair. He has a

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<v Speaker 1>medical condition called spasmodic dysphonia, certain muscles in his larynx spasm.

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<v Speaker 1>So it's not fair for me to have said that,

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<v Speaker 1>But it is difficult to understand him in many cases. Okay, Now,

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<v Speaker 1>the Republicans love him because he's a Trump nominee. Tillis,

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<v Speaker 1>Senator Tom Tillis of North Carolina said, I think you're

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<v Speaker 1>handling yourself very well. Okay, fair enough. When talking to

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<v Speaker 1>and asked, are you a conspiracy theorist? Kennedy said, no,

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<v Speaker 1>that's a pejorative that had been applied to him. Of

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<v Speaker 1>course not, And I'm being accused of that mainly to

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<v Speaker 1>keep me from asking difficult questions powerful interests, even though

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<v Speaker 1>he's a straight out conspiracy theorist, or certainly has been.

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<v Speaker 2>The other Republican Todd Young of Indiana.

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<v Speaker 1>Will you work to restore public trust in public health institution?

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<v Speaker 2>Kennedy said, I will through radical transparency.

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<v Speaker 1>Don't know what that means.

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<v Speaker 2>Now.

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<v Speaker 1>The one Republican who he had some issue with, Senator

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<v Speaker 1>Bill Cassidy of Louisiana, chairman of the Senate Health Committee.

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<v Speaker 2>He's a doctor and he's looking at.

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<v Speaker 1>This going wait a minute, now, there's more to this

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<v Speaker 1>than just Trump nominates, and I confirm. One of the

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<v Speaker 1>questions that he asked is about Medicare and Medicaid, and

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<v Speaker 1>Kennedy was sort of mixed the two up.

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<v Speaker 2>Medicare is for everybody over sixty five. Medicaid is that

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<v Speaker 2>covers low income people.

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<v Speaker 1>And when Cassidy asked him, how would you invest how

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<v Speaker 1>would you integrate the two programs? How would you do it?

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<v Speaker 1>Kennedy said, I don't know the answer to that. I

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<v Speaker 1>look forward to exploring options with you. Another point, he

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<v Speaker 1>said of Medicaid, the premiums are too high, deductibles are

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<v Speaker 1>too high, and everybody's getting sicker, except that Medicaid people

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<v Speaker 1>don't pay a dime.

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<v Speaker 2>There are no deductibles, there are no premiums. As for

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<v Speaker 2>four people, you know what as for poor people? You

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<v Speaker 2>give him a break on that.

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<v Speaker 1>I don't know how big a deal that is, because

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<v Speaker 1>you can't expect the nominee to know everything, and you

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<v Speaker 1>would expect Cassidy, who's a doctor, to know a lot more.

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<v Speaker 1>But it is his vactinet vaccine skepticism, skepticism. Kennedy's that

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<v Speaker 1>just that's going to be the big one, and the

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<v Speaker 1>Democrats just keep on nailing him and asking Kennedy's past

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<v Speaker 1>statements pushed him hard, including abortion, because he was pro

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<v Speaker 1>abortion when he was running for president and he was

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<v Speaker 1>pro abortion and all of a sudden, now no, I'm

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<v Speaker 1>not pro abortion. I believe in what President Trump is

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<v Speaker 1>that every abortion is a tragedy.

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<v Speaker 2>Are you you've switched all over the place, mister Kennedy, yes, no,

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<v Speaker 2>which no? A Republican senator asked, which one? I believe

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<v Speaker 2>that every abortion is a tragedy?

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<v Speaker 1>Okay, good enough, and then Senator Michael Bennett, Democratic Colorado brought.

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<v Speaker 2>Up Kennedy's statements. Claimed he has.

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<v Speaker 1>Said COVID was targeted to attack Caucasians and black people

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<v Speaker 1>to spare Chinese people.

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<v Speaker 2>And Ashkenazi Jews.

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<v Speaker 1>That's really weird because the only issue, the only connection

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<v Speaker 1>between Chinese people and Askanaji Jews Christmas or on Yum Kippur,

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<v Speaker 1>where Ashkaranazi Jews go to Chinese restaurants. I mean, that's it.

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<v Speaker 1>And Kennedy said line disease was highly likely to be

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<v Speaker 1>an engineered bioweapon.

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<v Speaker 2>Kennedy was asked, outright, did you say that he goes?

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<v Speaker 2>I probably did.

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<v Speaker 1>Say that, and then the Republicans sleft that one right over.

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<v Speaker 1>I forgot which the Republican. I wish I had the name,

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<v Speaker 1>because I was so stunned that I didn't even pay

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<v Speaker 1>attention to the name during the questioning period, said of Kennedy,

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<v Speaker 1>Kennedy was put here by God to run our healthcare system.

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<v Speaker 1>I think here's the problem with by God. Everybody you know,

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<v Speaker 1>He's always been put whoever it is, put here by God.

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<v Speaker 2>Let me tell you, folks that think that God puts

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<v Speaker 2>people in place.

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<v Speaker 1>God is too busy watching football games during football season. Okay,

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<v Speaker 1>every team prays to God and the winner, well, God

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<v Speaker 1>like that team better that week. I have a tough

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<v Speaker 1>time with people being put here by God to do

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<v Speaker 1>a B, C, D or E. Don't buy it all right.

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<v Speaker 2>Coming up, it's gonna be Valentine.

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<v Speaker 1>My FM's Valentine, and he is about to talk about

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<v Speaker 1>fire aid, which is a big deal that I heart

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<v Speaker 1>and he are involved in. And we'll do that as

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<v Speaker 1>we finish the show.

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<v Speaker 2>You're listening to Bill Handle on demand from kf I

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<v Speaker 2>AM six forty.

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<v Speaker 1>Coming up is a pretty important event. And Valentine, who

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<v Speaker 1>is a friend of mine who is heard on our

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<v Speaker 1>sister station, my FM. He's on five am to ten

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<v Speaker 1>am Monday through Friday, and I strongly urge you not

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<v Speaker 1>to listen to him.

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<v Speaker 2>Our show for God's sake. Well, we're pitching you val

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<v Speaker 2>on this show.

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<v Speaker 1>We're not pitching me what we're doing.

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<v Speaker 5>I came down during my show just because I have

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<v Speaker 5>that much respect for you that I wanted to bring

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<v Speaker 5>an update to you about fire. A.

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<v Speaker 2>Yeah, there's this is a big deal fire aid. I

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<v Speaker 2>know you're interesting it, and so let's talk about it.

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<v Speaker 2>So that starts.

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<v Speaker 5>You can listen on all the iHeart FM stations here

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<v Speaker 5>in southern California, but tune into one of four to

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<v Speaker 5>three MIFM at seven o'clock tonight. This is so amazing

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<v Speaker 5>how it came together so quickly, right the industry got

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<v Speaker 5>behind this so quick, so fast, to raise money to

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<v Speaker 5>help out these victims of this wildfire, of these wildfires,

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<v Speaker 5>and the artists who coming to the stage. I don't

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<v Speaker 5>know when we'll ever see an event like this ever again.

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<v Speaker 5>Please God, we won't have to for any charity for

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<v Speaker 5>any tragedies. But the people come to the stage. Bill

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<v Speaker 5>you know all these artists, you know Billie Eilish, you

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<v Speaker 5>know earth Wind and Fire, you know Atlantis. You know,

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<v Speaker 5>Dave Matthews, John Mayer, I mean Green Day, John Fogerty,

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<v Speaker 5>Joni Mitchell, no doubt, Pink Rod Stewart, Stevie Wonder.

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<v Speaker 2>This list is crazy.

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<v Speaker 5>Most of them can fill up a stadium on their own. Yeah,

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<v Speaker 5>they do their own shows and they fill up the

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<v Speaker 5>stadium and it's massive. But they're gonna come together for

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<v Speaker 5>fire Aid. It all starts at seven clock tonight and

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<v Speaker 5>raise just a buttload of money.

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<v Speaker 2>Hey, so where is it.

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<v Speaker 1>Is iHeart doing its own thing in terms of giving

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<v Speaker 1>money or is it giving it to a specific organization

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<v Speaker 1>or organizations? Do you have to know? So?

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<v Speaker 5>I believe with this all the funds are for the

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<v Speaker 5>wildfire relief efforts. We do our stuff with Dream Center

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<v Speaker 5>as well.

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<v Speaker 2>iHeart.

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<v Speaker 5>We've done a ton of work with them, will continue

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<v Speaker 5>to do that. But this is more of like people

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<v Speaker 5>from all across the country will be donating to this

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<v Speaker 5>effort tonight, and all that money will be put to

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<v Speaker 5>great use, obviously helping the victims of the wildfires and

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<v Speaker 5>also making sure that we don't have this situation to

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<v Speaker 5>happen again. So a lot of this it's just gonna

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<v Speaker 5>be an astrosmble amount of money, a lot of money obviously,

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<v Speaker 5>and it'll go to the right efforts, I believe, all.

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<v Speaker 1>Right, And you and Sistantly are holding are hosting this. Yeah,

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<v Speaker 1>we're gonna be doing it. Yeah. And that's across all

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<v Speaker 1>the stations.

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<v Speaker 5>Across all the stations, and the iHeart stations across the

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<v Speaker 5>entire country too.

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<v Speaker 1>Oh, that's gonna be huge.

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<v Speaker 2>Isn't that massive? Think about the platform that we have. Huge.

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<v Speaker 1>It's been good for you.

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<v Speaker 2>And how when you talk about how this came together?

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<v Speaker 2>Did you put it together?

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<v Speaker 1>They came to you?

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<v Speaker 2>I mean, how how did this thing come together so quick?

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<v Speaker 5>No, you're correct, Fire Aid is all me. I made

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<v Speaker 5>this entire thing happen. No, Irving as Off and his

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<v Speaker 5>team made this happen. And then iHeart we got together

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<v Speaker 5>where the audio partner of this and it's in the

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<v Speaker 5>bombers are going to match all the funds raised dollar

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<v Speaker 5>for dollar tonight.

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<v Speaker 1>That's incredible. So I know it's on my FM. What

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<v Speaker 1>other radio stations is it on? Here? On the iHeart.

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<v Speaker 5>Clusters, it's on all the other stations, It's on Coast,

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<v Speaker 5>it's on Real, it's on all it's on Kiss.

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<v Speaker 2>That the great thing about MYFM.

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<v Speaker 5>We have increased our power for tonight and our clarity

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<v Speaker 5>and ours will be the best signal to listen to.

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<v Speaker 2>I think the others might even be a model.

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<v Speaker 1>I have no idea.

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<v Speaker 5>So you really want to listen to one of four

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<v Speaker 5>to three MYFM tonight if you want to hear this

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<v Speaker 5>audio and crystal clear quality.

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<v Speaker 1>For those of you that wonder, is Val really this

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<v Speaker 1>level of a dick in real life, the answer is absolutely.

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<v Speaker 5>It didn't take long for you to go down a

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<v Speaker 5>road like this. And this is all about the parking spot.

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<v Speaker 5>And I have had so many people come up to

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<v Speaker 5>me and go, boy, that handle really wants your parking spot.

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<v Speaker 2>It's complaining about it. We'll do I'll do that story

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<v Speaker 2>at some point. Val, thanks for putting it together, and

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<v Speaker 2>well we didn't put it together. I didn't. Thanks for

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<v Speaker 2>being part of putting it together. I'm giving you the credit.

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<v Speaker 2>Thanks for being part of it.

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<v Speaker 1>And hosting, and I know you're going to be We're

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<v Speaker 1>excited a lot of kudos, So a lot of kudos

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<v Speaker 1>that you and Systney deserve.

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<v Speaker 5>Seven o'clock tonight, my event. Tune in what a four

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<v Speaker 5>point three.

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<v Speaker 2>Okay, guys, Yeah, we're done.

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<v Speaker 1>Thanks val.

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<v Speaker 2>Thanks Coming up, Gary and Shannon.

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<v Speaker 1>They're going to have Jay Ratliffe, who we had earlier

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<v Speaker 1>this morning, as well as Amy, the iHeart Aviation expert,

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<v Speaker 1>who's going to give us the latest, give them the

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<v Speaker 1>latest on what's going on with the investigation now and

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<v Speaker 1>the recovery efforts no longer of course, they're not looking

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<v Speaker 1>at any rescue attempts, so that's coming up. Also, I'm

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<v Speaker 1>taking phone calls for handling the law off the air.

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<v Speaker 1>The number is eight seven seven five two zero eleven

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<v Speaker 1>fifty eight seven seven five two zero eleven fifty marginal

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<v Speaker 1>legal advice.

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<v Speaker 2>And there as.

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<v Speaker 1>Always no breaks, no news, no weather, and no patience

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<v Speaker 1>on my part, so as you can imagine, go through

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<v Speaker 1>the calls very quickly. Eight seven seven five two zero

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<v Speaker 1>eleven fifty. Coming up, Gary and Shannon, and we'll see

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<v Speaker 1>you tomorrow five o'clock in the morning wake up call

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<v Speaker 1>with Amy and then the rest of us are here.

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<v Speaker 2>This is KFI AM six forty.

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<v Speaker 1>You've been listening to the Bill Handle Show. Catch my

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<v Speaker 1>show Monday through Friday six am to nine am, and

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<v Speaker 1>anytime on demand on the iHeartRadio app
